Refund illegal bank fees

. As explained above, I also wouldn’t go to the house bank for the construction financing if they were actually cheaper than other providers. But they are not, according to the online inquiry it was 0.6% above our current provider.

I don’t understand. You switch to a new insurance etc. every year when it gets cheaper. For the construction financing, which is really long-term and where savings add up, you would deliberately choose a more expensive provider? P.S. An online inquiry is one thing, negotiating an offer in a personal conversation is another. Many house banks are very flexible there ;)

She is professionally knowledgeable about this; how many years have you worked in mortgage financing?

Does a direct bank also respond as flexibly to unforeseeable problems as the local bank?

Certainly, because the margin surely allows for that.

And the processing employee does the same in a personal conversation as the outsourced debt collection agency. But let's not paint a worse scenario than necessary.

More information does not always mean it is worse, but everyone has their own attitude towards it.

Furthermore, the difference between my house bank and the best non-binding rate of a direct bank was exactly 0.02% before negotiations began.

It is clear... that the banks are not happy about it.... Which bank willingly gives the earned money back to the customer

Counterquestion: Who actually likes to part with money?

Status update:

The bank wrote in mid-December that they had received my letter but are asking for some patience due to the "large number of customer inquiries." The review may extend back to 2015. Therefore, the bank waives the objection of limitation.

So, let's wait and see.

One more thing about the fee itself: I requested the same loan from the same bank through 3 different financial intermediaries. The amount of the processing fee was different with all 3 intermediaries! It varied between 450 EUR and 600 EUR. I find it quite "strange" that the verification of the borrower should cause such different costs... This shows me that this fee probably does not only cover the verification of the borrower but is also likely dependent on the commission rates the respective financial intermediaries have negotiated with the bank.
Well, my personal, not universally valid expectation that banks act somehow honestly and transparently has been zero for years anyway. Banks are just moral sinks.

I do not like this generalization.